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I have been on short term Disablity now entering long term . I have to take Physio for my disability but my insurance only covers 500.00 annually . The rest comes out of my pocket . Because I have to take Physio I order to get better is there a responsibility for manulife insurance to pay for my Physio that is not covered ,or am i responsible for it thanks

No it’s all contractual. It depends on what your policy provides.
Sivan Tumarkin
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